Email Address :- akram@stgeorgecommercial.co.uk
Non-Resident Mortgage
Non-Resident Mortgage
At St. George Commercial Finance Brokers Ltd., we understand that investing in UK property while living overseas can be complex — but it doesn’t have to be. Our Non-Resident Mortgage service is designed to help foreign nationals and UK expats secure property financing in the UK, even without UK residency or credit history.
Whether you’re looking to purchase a buy-to-let, second home, or long-term investment property, we work with a wide panel of specialist lenders who welcome non-resident borrowers and offer flexible, competitive mortgage terms.
Who Can Apply?
✅ Foreign nationals with no UK residency
✅ UK expats living abroad
✅ International investors with property interests in the UK
✅ Individuals paid in foreign currencies
✅ Clients with no UK credit history
Types of Properties You Can Buy
Buy-to-Let Properties
Residential Homes (for family or future relocation)
Student Accommodation or HMOs
New Build or Off-Plan Developments
Commercial/Investment Properties (through company structures)
Need Assistance ?
Whether you need assistance with financing or have a question about our services, our team is here to support you.
- 01273 855 711
- akram@stgeorgecommercial.co.uk
Testimonials
"As a UK expat living in Dubai, I struggled to find lenders who would consider my foreign income. St. George made the process incredibly easy. Within weeks, I secured my first buy-to-let in London. Highly recommended for non-residents!"
"I was hesitant to invest in UK property due to the complexity, but St. George explained everything clearly and handled everything from abroad. Their team understood my income structure and got me a great deal."
"Thanks to St. George’s expertise, I now own two properties in Manchester without ever setting foot in the UK during the mortgage process. Their communication, transparency, and dedication were outstanding throughout."
Can I get a UK mortgage if I don’t live in the UK?
Yes, many lenders offer mortgages to non-residents, including foreign nationals and UK expats living overseas. We work with lenders who specialise in non-resident property finance.
What types of properties can I buy as a non-resident?
You can purchase buy-to-let, second homes, student lets, HMOs, or residential properties for future relocation. Commercial property is also possible through company structures.
What is the maximum loan-to-value (LTV) for non-resident mortgages?
Most lenders offer up to 75% LTV, though this depends on your profile, currency of income, and property type. In some cases, LTVs may be lower due to added risk.
Do I need a UK bank account or credit history?
No. While a UK bank account or credit file helps, it is not mandatory. Lenders will assess your application using overseas documentation and your home country’s financial records.
Which currencies do lenders accept for foreign income?
Commonly accepted currencies include USD, EUR, SGD, AED, AUD, CAD, and others. We help you match your profile with lenders who are comfortable with your specific income currency.